Why am I writing a blog about “buy now pay later” (BNPL) schemes? I’m interested in helping the casual users of BNPL realise that you don’t need any of these schemes in the first place. While there will be many who ‘safely’ use them, many more start with good intentions but find themselves on a slippery slope of having just too many payments coming out of their bank account to pay for things they bought weeks and months ago.